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Super Visa Insurance Ontario
Ontario · GTA, Ottawa & Beyond
Super Visa Insurance in Ontario
Bringing your parents or grandparents to Toronto, Mississauga, Brampton, Ottawa, Hamilton or London? We arrange IRCC-compliant Super Visa insurance for Ontario families in minutes, with monthly payment plans and same-day proof of coverage.
25,000+Ontario Super Visa applicants insured
Same-dayproof of insurance for IRCC
Monthlypayment plans available
Serving All of Ontario
Super Visa insurance across Ontario
Ontario receives more Super Visa applications than any other province — a reflection of the size of its South Asian, Chinese, Filipino and Middle Eastern communities across the Greater Toronto Area. Whether your parents are landing at Pearson International, joining you in Ottawa’s Alta Vista or settling into your home in Hamilton, London or Windsor, the federal insurance requirement is the same: proof of at least $100,000 in emergency medical coverage from a Canadian insurer before their visa is approved.
What changes from city to city in Ontario isn’t the requirement — it’s how quickly you can get it sorted. Our advisors work with families across the GTA, Ottawa Valley and Southwestern Ontario every week, and most policies are bound and documented the same day, often while your parent’s flight is still being booked.
The Federal Requirement
What Super Visa insurance must include
$
At least $100,000
Minimum emergency medical coverage required by IRCC, regardless of which province your parents are visiting.
1
Valid 1 full year
Coverage must run for a minimum of one year from the date your parents arrive in Ontario.
✓
Right coverage
Must cover hospitalization, doctor visits, and repatriation — not just basic travel insurance.
CA
Licensed insurer
Policy must come from an insurance company licensed to operate in Canada.
The Basics
What is Super Visa insurance?
Super Visa insurance is a specific category of visitor medical insurance created to satisfy the Government of Canada’s Parent and Grandparent Super Visa program. Ontario’s provincial health plan, OHIP, does not cover visitors — only residents who meet OHIP’s residency requirements. Without private coverage, your parents would have no protection at all if they needed emergency care while in Ontario, and IRCC will not approve the Super Visa application without proof that this gap is filled.
The policy has to be purchased before the visa is approved, and the standard practice among Ontario advisors is to issue a confirmation letter and policy documents the same day so your application isn’t held up waiting on paperwork.
Read The Fine Print
What is covered — and what is not
Typically covered
- Emergency hospital stays and surgery
- Doctor and specialist visits
- Diagnostic tests (X-rays, bloodwork, imaging)
- Prescription drugs tied to a covered emergency
- Ambulance transport
- Repatriation if a return home is medically required
Typically not covered
- Routine checkups or elective procedures
- Pre-existing conditions not stabilized before travel (unless the plan specifically covers them)
- Dental care outside of accidental injury
- Pregnancy and childbirth
- Care received outside the policy’s effective dates
Every insurer defines “pre-existing condition” and “stability period” differently. This is the single most common reason Ontario families see a claim denied — we walk through your parents’ health history before recommending a plan, not after.
Why It Matters
The real cost of care in Canada — with vs. without insurance
A multi-day hospital stay in a Toronto or Ottawa-area hospital, without provincial coverage, is billed at the full uninsured rate — often reaching five figures before any surgery or ICU care is involved. Here’s what that looks like in practice:
| Situation | Without Super Visa Insurance | With Super Visa Insurance |
|---|---|---|
| 3-day hospital stay | $12,000–$20,000+ | Covered (subject to policy terms) |
| Emergency surgery | $25,000–$60,000+ | Covered (subject to policy terms) |
| Ambulance transport | $500–$1,200 | Covered (subject to policy terms) |
| Medical repatriation | $15,000+ | Covered (subject to policy terms) |
For The Host
Income requirement (LICO) for the host
As the person inviting your parents or grandparents, you’ll also need to show you meet the IRCC Low Income Cut-Off (LICO), based on your household size and income over the last notice of assessment. This applies the same way whether you live in Toronto, Ottawa or a smaller Ontario city — the LICO table is set federally, not provincially.
| Family size | Minimum necessary income (approx.) |
|---|---|
| 2 people | $32,899 |
| 3 people | $40,445 |
| 4 people | $49,106 |
| 5 people | $55,679 |
| 6 people | $62,814 |
Figures are approximate and change annually with IRCC updates — ask your advisor for the current table when you apply.
Paperwork
Documents you will need for your Super Visa application
Required documents
- Proof of Super Visa insurance (policy + payment receipt)
- Letter of invitation from you, the host
- Proof of your income and status in Canada (or your household’s LICO documentation)
- Your parent or grandparent’s passport and photos
- Medical exam results (if required for their country)
The application form
The Super Visa application itself is filed through IRCC directly by your parent or grandparent (or a representative) once insurance is in place. We provide the insurance documentation formatted the way IRCC expects to see it, so nothing gets kicked back for missing details.
Flexible Payments
Pay monthly instead of all at once
What Super Visa insurance costs
Premiums depend on your parents’ age, health history and length of stay — most Ontario families pay less by comparing multiple insurers rather than taking the first quote.
Pre-existing conditions
Some insurers offer stability-period coverage for conditions like controlled diabetes or hypertension — worth asking about before you assume a condition disqualifies your parents.
Refund protection
If the Super Visa is denied, most policies can be cancelled for a full or prorated refund — we confirm this in writing before you pay.
Simple Process
Getting covered takes minutes
1
Tell us the details
Your parents’ ages, health history, and planned length of stay in Ontario.
2
Compare plans
We pull quotes from multiple licensed Canadian insurers side by side.
3
Buy & get proof
Pay in full or monthly, and receive your IRCC-ready documents the same day.
4
Submit with your Super Visa
Attach the policy documents to your application — no waiting on the mail.
Why Families Across Ontario Choose Us
Local Ontario advice you can trust
10+ years serving Canadians
We’ve helped families from Scarborough to Ottawa to Windsor navigate this exact process.
Lowest price, guaranteed
We compare across insurers so Ontario families don’t overpay for the same coverage.
Advice in your language
Our team supports Ontario’s most common languages, including Punjabi, Hindi, Mandarin, Tagalog and Arabic.
Monthly payment options
Spread the cost instead of paying the full year up front.
Same-day policies
Most Ontario clients have documents in hand within hours, not days.
We handle the claims too
If your parents ever need to use the policy, we help manage the claim — not just the sale.
Common Questions
Super Visa insurance questions, answered
Do I need different insurance if my parents are landing in Toronto vs. a smaller Ontario city?
No — the IRCC minimum ($100,000, one year, licensed Canadian insurer) is identical no matter which Ontario city they land in or settle in. What differs is how quickly a local advisor can process it, which is where we help.
Can I buy Super Visa insurance before my parents’ visa is approved?
You need to buy it before the visa is approved — IRCC requires proof of insurance as part of the application itself, not after approval.
What if my parents have a pre-existing health condition?
Many Ontario families assume this disqualifies their parents. In most cases it doesn’t — it just means we need to match them with an insurer that offers appropriate stability-period coverage.
Is Ontario Super Visa insurance more expensive than other provinces?
Pricing is driven mainly by age, health and trip length rather than province, though provincial premium taxes can cause small differences. We shop multiple insurers to find the best Ontario rate for your situation.
Can I pay monthly instead of the full year at once?
Yes — most of our Ontario clients use a monthly payment plan rather than paying the annual premium up front.
Ready to bring your family home?
Get a same-day Super Visa insurance quote for your parents or grandparents anywhere in Ontario.
Get My Free Quote